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Zoila Esperanza

Update on Zoila Esperanza

Zoila is 53 years old, single, and has three children. She lives with her mother in the city of Ventanas in the province of Los Ríos. She is a member of the "25 de Febrero" [February 25] Communal Bank, which is located in the Guabito precinct of the parish of Zapotal, in Ventanas Canton. She works in agriculture, including cacao, and she grows corn and coffee. She also works raising animals such as chickens and pigs.

Zoila is requesting this loan to buy urea, liquid pesticide and insecticide. With the help of the loan she will be able to buy what she needs for her agricultural activities. She buys what she needs in Ventanas every fifteen days or monthly. Her dream is to work very hard for her family’s wellbeing. The challenges she faces are the pests that harm her crops. In her free time she likes to sing traditional carnival songs.
View original language description ↓
Zoila tiene 53 años de edad su estado civil soltera vive con su mamá tiene 3 hijos vive en la Ciudad de Ventanas en la Provincia de los Ríos

La V.R.C. 25 de Febrero, se encuentra ubicada en el Recinto el Guabito de la Parroquia Zapatol, Pertenece al Cantón Ventanas se Dedica a Labores Agrícolas.

Zoila se dedica al negocio de cacao y la agricultura a la siembra de maíz, café, además se dedica a la crianza de animales como gallinas, cerdos. Solicita el crédito para comprar de urea, liquido mata plagas, insecticida.

Con la ayuda del crédito podrá comprar lo necesario para la agricultura. La compra los realiza quince y mensualmente en Ventanas. El sueño es trabajar mucho para el bienestar de mi familia. Los desafíos a los que enfrenta son las plagas y cultivos. En el tiempo libre le gusta cantar el carnaval.

Previous Loan Details

Zoila Esperanza is 52 years old. She is divorced and has 3 children. She lives with her mother and her children, aged 32, 29 and 25, in Ventanas in the province of Bolívar. She is a member of the "25 DE FEBRERO" ["February 25"] communal bank, which is located in the area of Guabito in Zapotal ... More from Zoila Esperanza's previous loan »

Additional Information

About Cooperativa San Jose

This loan is administered by Cooperativa San Jose, a 45,000-member credit union located high in the Andes Mountains of Ecuador’s poorest province, Bolivar. They offer a unique loan called “Ventanillas Rurales” [Window to the Countryside], which uses a group guarantee but is an individual loan with a savings component, mostly to rural borrowers. Due to low savings rates and a history of macroeconomic instability, many traditional loans in Ecuador demand interest rates that are prohibitively high for some borrowers. There is also a high incidence of extortionist black-market lending in Ecuador. CSJ helps mitigate these problems by providing a less onerous and more appropriate option. Join CSJ’s Lending Team!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 60
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Zoila Esperanza to buy urea, liquid pesticide and insecticide.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 13, 2013
Mar 18, 2013
Currency Exchange Loss:
Apr 17, 2014